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To send money internationally with PassTo in a snap, please follow these simple steps:
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• Step 1: Visit the PassTo web app or install the mobile app. Visit our web app on www.app.passto.co.uk if you prefer using the web browser or download the PassTo mobile app from the Apple App Store or Google Play Store, depending on the type of device you're using. You can also use this link to download the app from the appropriate app store based on your device type.
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• Step 2: Register a PassTo account. Create a new PassTo account. Registration is simple and quick, taking only a couple of minutes. You have many options, including Apple, Google, Facebook, and your email address.
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• Step 3: Perform the verification procedure. After registering, you must complete the verification process so that PassTo can confirm your identity. You must provide your address, nationality, a photo of your photo identification, and a selfie. This is a crucial step because it allows PassTo to verify that you are creating your own account and not an impostor's.
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• Step 4: Create a payment method. Having completed registration and verification, you are now set to make your initial PassTo money transfer. Configure the method of payment for the money transfer at this stage of the procedure. As a payment option, you may choose between a bank account and a credit/debit card.
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• Step 5: Include details about the recipient. Now is the time to add recipient information. In this step, you will specify the recipient's full name, email address, and delivery method. You can choose to pay a recipient via bank deposit, mobile wallet credit, or cash pickup with PassTo. Enter the required information based on the selected delivery method.
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• Step 6: Complete the transfers' specifics. The next step is to verify that all information entered is accurate. Once you are satisfied with the recipient information and transfer amount, click the Confirm button at the bottom to submit your transfer. PassTo will display a confirmation message indicating that your transaction has been accepted and will be processed if all goes well.
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• Step 7: Track any updates to your transaction. You can check the status of your money transfer at any time using PassTo. Simply choose the transaction from your list of money transfers, and the application will display the most recent status. PassTo will also send you notifications as your transaction advances to the following steps.
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Using the PassTo mobile app, it is quick and simple to send money. You can send money abroad with minimal effort.

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PassTo can rapidly transfer funds abroad. The majority of money transfers are accomplished within minutes.

Depending on the service speed and quality in the target country, delivery may occur on the same or following working day in some instances. It enables you to expeditiously send money abroad, and in most situations, the recipient can access the funds within minutes.

If you are required to send money overseas rapidly, especially for urgent or emergency purposes, PassTo's swift money transfers can be a great resource.

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PassTo typically offers highly competitive exchange rates compared to its rivals in the international money transfer industry.
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To obtain a real-time PassTo quote for your international money transfer, you can use the PassTo website calculator or create a quotation inside the app. Simply select the destination country and enter the transfer amount, and the exchange rate, transfer fee, and final payout will be displayed. This is an excellent way to estimate and plan prior to sending money with PassTo.

PassTo transfer costs have been found to range from £1.40 to £15. The transfer fee charged by PassTo varies based on variables such as the destination country and the delivery service selected.
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PassTo has transparent pricing. There are no hidden fees associated with PassTo's transfer fees, which are disclosed in a straightforward manner; and it offers highly competitive exchange rates and low, comprehensible transfer fees.

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There is always a fee associated with international money transfers. Consequently, PassTo offers a competitive fee structure that is low and cost-effective. Additionally, there are no hidden fees, and PassTo maintains complete transparency regarding its fees.

 Here are a few PassTo tips for minimising your transfer fees:

1. You can earn cash rewards for referring friends who complete successful transfers.
2. You can earn redeemable points with every transfer for fee discounts on future transactions
3. PassTo may offer cashbacks or other promos from time to time.

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Within the application, you can monitor your PassTo money transfer.

Simply click on any transaction in your transaction history, and the PassTo app will provide you with the most up-to-date information regarding your money transfer. You can also configure your alert settings for timely updates. If you so choose, PassTo will notify you when your transactions advance to the next phase.

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A number of safeguards are in place within PassTo to protect your funds and personal data at all times. PassTo implements the following industry standards to ensure the safety of your data:
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• Know Your Customer (KYC) procedures are among the advanced security protocols implemented by PassTo. KYC ensures that you, and not someone impersonating you, are using your account. PassTo protects your account by ensuring that it has not been accessed and utilised by a third party.
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• The PassTo system implements two-factor authentication (2FA), which provides an additional layer of security for your account information and payments against fraudulent or suspicious activity.
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• PassTo complies with an important financial best procedure known as safeguarding in order to adhere to Payment Services Regulations (PSRs). This means that PassTo keeps customer funds separate from its own company funds and accounts. The funds that PassTo is obligated to protect are held in specialised safeguarding accounts at major UK banks.
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• PassTo invests in technological products that automatically assess and monitor any suspicious activity, flagging it as potentially fraudulent. This kind of proactive monitoring aids in detecting and preventing fraud before it causes havoc.
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• As part of the conformity and compliance with legal and regulatory financial agencies, PassTo ensures complete data protection and security.
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• In the United Kingdom, PassTo is regulated by the Financial Conduct Authority (FCA). PassTo must continuously ensure that their systems are secure at all times in order to remain in compliance with the FCA's stringent regulations.
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PassTo takes their security policy very seriously, as evidenced by the aforementioned commitment to data privacy and safety.

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We have a dedicated function (Head of Information Security) who constantly reviews and improves our measures to protect your personal information.

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. All the measures are documented in a single document known as the IT Security Policy which includes BlaBla’s practices on acceptable encryption, information security review and audit, network security, data retention, archiving and destruction.
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Our app uses industry approved protection tools (encryption, passwords) to protect your personal information against unauthorized access or disclosure. In addition, we limit access to your personal data to those staff members or other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a strict duty of confidentiality.

We have put in place procedures to deal with any suspected personal data breach and will notify you and relevant supervisory authority of a breach where we are legally required to do so.

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The method by which you fund your transfer is known as a payment method. PassTo allows the following types of payment:

• Bank transfers
• Debit cards
• Credit cards

These are all viable payment alternatives for your transaction. However, many international card issuers consider remittance payments to be cash advances, and you may incur additional fees.

Therefore, before you decide to use your international card to pay for your PassTo money transfer, verify with the financial institution that issued your card to determine if you will incur additional fees.

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When sending money internationally, a payment method is the sender's payment instrument, whereas a delivery method is the recipient's equivalent. In other words, a delivery method is the means by which your recipient receives the remittance payments you send them. 

PassTo supports the following delivery options for international money transfers:

• Deposits to bank accounts
• Credits to mobile wallets
• Cash pickup at agent locations

 Please be aware that the availability of certain delivery options may vary by country. If you use PassTo, you may find out what types of delivery solutions are available in your destination country.

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You can earn money and discounts by two attractive rewards programs
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• PassTo's referral program: It allows you to earn a £50 gift when you invite three friends to make their first transfer of at least £200 each. Each of your three friends will also receive a gift of £5.
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• PassTo Plus loyalty program: It makes you earn PassT Plus points with each transfer you make and redeem them for fee discounts on your next transactions.
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 The PassTo loyalty and referral programs are an excellent opportunity for you and your friends to earn money and save on your transfers.

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